Score S$1,700 Cash or an iPhone 17 with Citigold
Updated: 3 Aug 2026
✅ Up to 7.51% p.a.* savings with personalized account options
✅ Exclusive rewards for Citigold members
✅ Trusted security with global banking standards
Limited-Time Offer!
Start your Citigold relationship, deposit S$500,000, and unlock S$1,700 Cash via PayNow or an Apple iPhone 17 (worth S$1,599)!
SingSaver Exclusive Rewards
Choose one reward based on your fresh funds deposit, within 3 calendar months of account opening (including the month of opening). One reward per customer.
Fresh funds deposit Additional requirement Your reward S$250,000 — S$500 Cash via PayNow S$350,000 — Upsized S$900 Cash via PayNow S$350,000 Sign up as an Accredited Investor (AI) — individual basis, as primary accountholder Apple iPhone 17 256GB (worth S$1,299); or Upsized S$1,200 Cash S$500,000 New qualified investment of min. S$100,000 Apple iPhone 17 512GB (worth S$1,599); or Upsized S$1,500 Cash S$500,000 Sign up as an Accredited Investor (AI) — individual basis, as primary accountholder Apple iPhone 17 512GB (worth S$1,599); or Upsized S$1,500 Cash Plus, enjoy an additional S$200 Cash when you deposit S$250,000 within the second month of account opening and maintain the funds until gift fulfilment.
Stackable Citi Rewards
Stack these on top of your SingSaver reward above:
Condition Bonus Sign up as an Accredited Investor (AI) +S$500 Cash For every S$100,000 of Investment / Insurance purchase by the 3rd calendar month of account opening +S$1,000 Cash per S$100,000 Plus, enjoy Citigold Preferential Time Deposit rates — up to 2% p.a. on 6-month SGD Time Deposit; up to 1.40% p.a. on 3-month SGD Time Deposit. T&Cs apply.
- Citigold Exclusive Benefits and Privileges
- Enjoy up to 7.51% p.a. interest when you join Citigold and open a Wealth First account. T&Cs apply.
- Enjoy zero foreign transaction or currency conversion fees in over 15 currencies with Citibank Global wallet when you pay with your Citigold Debit Mastercard.
- Enjoy 0%* commission buy trades online for U.S. & Hong Kong markets for 6 months when you open a new Citibank Brokerage account.
- Get wealth management advice and solutions from a dedicated Relationship Manager and team of wealth specialists
- Receive in-depth global market insights and research knowledge from a team of over 350+ research analysts.
- Enjoy fully personalised wealth management solutions with Citigold's Total Wealth Advisor.
- Citigold status is maintained at Citibank branches overseas.
- Read our full review of Citigold
- What is an Accredited Investor?
- An Accredited Investor is someone who meets the requirements set out by the Monetary Authority of Singapore (MAS) and has opted in to be treated as an Accredited Investor by the bank. Accredited Investors generally have access to a wider range of investment products than non-Accredited Investors, and at the same time require less regulatory protection.
- How to be an Accredited Investor
- Start your wealth journey with Citigold and speak to your relationship manager.
- Advantages of an Accredited Investor
- Diversified wealth opportunities
- Access to a more comprehensive range of financial products and services available only to Accredited Investors
- Access to a team of wealth experts
- Connect with an experienced Relationship Manager and a team of wealth experts who will partner you to achieve your wealth goals
- Wide range of investments
- Trade in Bonds, Structured Notes and restricted Investment Funds without the minimum S$200k per transaction requirement
- Eligibility for Accredited Investor
- Net personal assets exceeding S$2 million in value (or its equivalent in a foreign currency); or
- Financial assets (net of any related liabilities) exceeding S$1 million in value (or its equivalent in a foreign currency); or
- An income in the preceding 12 months of not less than S$300,000 (or its equivalent in a foreign currency)
Who is Citigold for?
Citigold is ideal for individuals with significant financial assets who want expert support in managing and growing their wealth.
Recommended for:
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Established professionals – Mid-career executives earning high incomes and planning long-term wealth goals like property investment, retirement planning, or their children’s education.
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Business owners – Entrepreneurs who want to park idle cash, manage cross-border banking, or access curated investment options.
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Globally mobile individuals – Frequent travellers or expats who want consistent priority banking and investment support across countries.
Not ideal for:
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Young professionals just starting out – If you’re still building up your savings and haven’t hit S$350,000 in assets, Citigold may be premature.
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DIY investors – If you prefer managing your own investments through brokerages, the value of Citigold’s advisory and bundled services may not justify the commitment.
🏛️ Benefits of Banking with Citigold
Global Citigold status — enjoy priority banking privileges across 30+ countries
Dedicated Relationship Manager and team of wealth specialists
Wide access to investment products, including global equities, bonds, and FX
Personalised insights and portfolio reviews via the Citigold Total Wealth Advisor
Preferential rates on deposits, loans, and currency exchange
Lifestyle perks including dining, travel, and concierge experiences
Welcome rewards worth up to S$8,726
FAQ
Yes, joint Citigold accounts are allowed, and the AUM can be shared between both account holders.
Citigold does not directly manage CPF monies, but your Relationship Manager can advise on how to use your CPF OA and SA for investing through the CPF Investment Scheme (CPFIS).
Citi Wealth First is a high-interest savings account, while Citigold is a full-fledged wealth management relationship. You can pair both to optimise cash yield and advisory benefits.
That depends. When you’re a Priority Banking customer, you have the ability to capitalise on investments without holding cash, by using the power of investment through leverage. This comes with its risks, since you may lose out if your investment goes up in smoke. Compounded with the interest charged with your loan, the result can be truly disastrous. However, if you’re judicious in the way you utilise your investment financing, Priority Banking can help you grow your funds.
Yes, international banking is one of the biggest perks of Priority Banking accounts. Most Priority Banking accounts offer easy FX solutions with no currency conversion or foreign transaction fees. For example, Citigold Priority Banking customers can transact in over 150 currencies when they pay with their Citigold Debit Mastercard, without incurring any additional fees.
>> Find out: Why choose Priority Banking?
Limited Time Offer
Start your Citigold relationship, deposit S$350,000 and become an Accredited Investor to unlock up to S$1,500 Cash via PayNow or an Apple iPhone 17 (worth S$1,599).